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Farmers and Merchants Bank of Mound City, Kansas

Mound City, KS · Cert 14024 · Cunningham Agency Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$65.0MAssets
$36.7MLoans
$60.0MDeposits
$4.1MEquity
Loan mix
77%RE $26.9M13%C&I $4.6M9%Consumer $3.3MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $46.1M23%Noninterest $13.9MQ3 2024Q2 2026

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #89 of 114 inst. · $0.1B of $99.1B

Executive Summary

  • Earnings: ROA of 0.99%, up 11 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.12% of loans (-70 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 6.06%, down 14 bps from a year ago.
  • Funding: loans stand at 61.15% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-24 bps YoY

Efficiency Ratio (YTD, annualized)

66.35%-391 bps YoY

Tier 1 Leverage Ratio

6.06%-14 bps YoY

NIM

5.17%Q2 ’245.33%Q2 ’254.99%Q2 ’26+2%-7%

Non-interest income vs. expense

2.59%Q2 ’242.56%Q2 ’252.28%Q2 ’26-1%-13%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.80%0.89%0.88%0.90%0.85%0.92%0.99%+11 bps
Return on Equity13.28%12.93%14.02%14.06%14.31%13.30%14.18%15.42%+135 bps
Net Interest Margin3.57%3.52%3.54%3.51%3.54%3.53%3.41%3.28%-24 bps
Efficiency Ratio72.18%73.09%70.11%70.26%69.61%71.67%68.57%66.35%-391 bps
Non-Interest Burden2.53%2.52%2.44%2.43%2.42%2.49%2.30%2.12%-31 bps
Growth
Asset Growth (YoY)1.97%2.43%3.58%9.94%9.11%1.10%8.92%5.81%-413 bps
Loan Growth (YoY)1.91%5.37%3.52%3.93%2.45%-0.79%-2.75%-4.73%-866 bps
Deposit Growth (YoY)2.83%1.97%3.37%10.27%10.05%1.31%9.77%6.16%-412 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.05%0.75%0.82%0.60%0.05%0.70%0.12%-70 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%0.00%0.06%0.00%0.00%0 bps
Allowance / Loans1.20%1.18%1.20%1.17%1.18%1.14%1.17%1.17%0 bps
Allowance Coverage of NPLs19.6x25.1x1.6x1.4x2.0x22.6x1.7x9.8x+8.3x
Capital
Tier 1 Leverage Ratio6.47%6.43%6.25%6.20%6.33%6.41%6.26%6.06%-14 bps
Total Risk-Based Capital13.21%12.82%13.40%13.35%13.40%13.96%14.35%14.88%+153 bps
Equity / Assets6.51%6.33%6.41%6.06%6.34%6.73%6.29%6.23%+17 bps
Liquidity & Funding
Loans / Deposits74.38%73.08%71.90%68.14%69.25%71.56%63.70%61.15%-699 bps
Liquid Assets / Assets17.51%18.44%23.54%27.09%25.79%26.11%33.92%30.21%+312 bps
CRE / Total Capitaln/an/an/an/a118.54%120.32%119.49%n/an/a